109 Northbay Pl, Madison, MS 39110 Property Records

Madison County property record for 109 Northbay Pl, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,772 sqft · built 1989
Owner	2 Individual Names on Record
Tax Bill	$1,651 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072E-15A-087`

Property Details

APN / Parcel Number

Primary APN	`072E-15A-087`
Alternative APNs	`072E-15A-087/00.00` `11504`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,772 sqft Adjusted Area
1st Floor Area	1,559 sqft
2nd Floor Area	917 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Plywood
Roof Type	Gable
Roof Material	Asphalt
Deck Area	100 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	11504
Old Parcel Number	072E-15A-087/00.00
Street Address	109 NORTHBAY PL
City	MADISON
State	MS
Zip	39110-8846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT E-76 NORTHBAY SUB PART 2
Legal Range	02E
Legal Township	07N
Legal Section	15
Legal Subdivision	NORTHBAY PH 2
Legal Lot Number	E-76
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2053
Census Tract	30207

Owner

Source: Madison County records, as of December 1, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 NORTHBAY PL, MADISON, MS 39110-8846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Line of Credit BANKPLUS
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit BANKPLUS LOAN OPERATIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 1989
Deed Sale	Aug 7, 1989
Deed Document Number	0000686666
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	109 NORTHBAY PL, MADISON, MS 39110-8846
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 NORTHBAY PI, MADISON, MS 39110-8846

Mortgage

Document Number	004392/527
Date	Dec 7, 2023
Book Page	4392/527
Instrument	995711

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	82 Months
Due	Oct 5, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	109 NORTHBAY PL, MADISON, MS 39110-8846
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 NORTHBAY PI, MADISON, MS 39110-8846

Mortgage

Document Number	004378/161
Date	Oct 11, 2023
Book Page	4378/161
Instrument	993221

Lender

Name	BANKPLUS LOAN OPERATIONS
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Oct 5, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Madison City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,651.00 Homeowner's exemption	$22,633 (+0.44%)	$226,330 (+0.44%) Land $45,000 Building $181,330
2024	$1,651.00
2023	$1,651.00 Homeowner's exemption	$22,534	$225,340 Land $45,000 Building $180,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	2 (2005–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEAR CREEK W/A -EAST public/private · serves 18,770 people · EPA ID MS0450002
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: NETSPEEDMS.

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